Under HMDA (Regulation C), lenders must collect and report applicant data including race, ethnicity, and sex, but not religion. Collecting data on an applicant’s religion would be prohibited by the Equal Credit Opportunity Act (ECOA).
“The data reported under HMDA includes the applicant’s ethnicity, race, sex, and income… religion is not collected or reported.”
— 12 CFR § 1003.4(a); Regulation C
[References:, , CFPB, HMDA Data Collection, , 12 CFR § 1003.4(a), , ===========, , ]
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